Published terms, read October 29, 2026
Griffin Funding vs Dominion Financial: published loan terms side by side
DSCR floor: Griffin Funding no minimum, Dominion Financial 1.00x. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), Griffin Funding sets no floor; Dominion Financial needs at least $2,000 of rent. Below is everything else each one publishes on its own website, term by term.
The two lenders
Griffin Funding
Direct-to-consumer mortgage lender founded in 2013 and based in San Diego, California (NMLS 1120111). It offers DSCR loans alongside VA, bank-statement and other non-QM products.
Dominion Financial
Privately held private lender to real estate investors, founded in 2002 and based in Baltimore, Maryland (NMLS 898795). It is the lending arm of The Dominion Group.
The differences that change a deal
- Credit on rentals: Griffin Funding publishes a 620 minimum, Dominion Financial 680.
- Leverage on a rental purchase: up to 85% at Griffin Funding, 80% at Dominion Financial, which is 5 points of down payment on the same house.
- Dominion Financial publishes terms for fix and flip loans; Griffin Funding publishes no terms of its own for them.
- Dominion Financial publishes terms for ground-up construction loans; Griffin Funding publishes no terms of its own for them.
- Units on one rental loan: up to 4 at Griffin Funding, up to 10 at Dominion Financial.
DSCR rental loans
| Term | Griffin Funding | Dominion Financial |
|---|---|---|
| Loan amount | $100,000 to $4,500,000 (larger loans by exception) | Not published ($100,000 minimum property value) |
| Max LTV (purchase) | Up to 80% LTV standard (20% down). Up to 85% (15% down) with a 740+ FICO on loans up to $1,000,000. Cash-out up to 80% LTV | Up to 80% LTV on purchases and rate-and-term refinances. Up to 75% on cash-out |
| Min FICO | 620 | 680 (exceptions down to 660) |
| Min DSCR | No minimum (no-ratio program available) | 1.00x |
| Experience | Not published | Not published |
| Property types | 1-4 units, condos, townhomes, PUDs and short-term rentals | Single family and 2-10 unit residential. Mixed-use with 2-8 units |
Dominion Financial also publishes fix and flip loans; Griffin Funding does not. Dominion Financial also publishes ground-up construction loans; Griffin Funding does not.
States and borrower rules
| Lender | Where it lends | Borrowing entity | Foreign nationals |
|---|---|---|---|
| Griffin Funding | All 50 states and Washington, DC for DSCR loans, per the DSCR page. Its state-licensing page lists licenses in 47 states plus DC (New York, Utah and West Virginia are not on that list). [src][src] | Not required. You can borrow as an individual or through a U.S. LLC with a personal guarantee. Partnership, corporation, S corp or revocable-trust vesting depends on the program. [src] | Offered through a separate Foreign National program: valid visa or visa waiver, at least 20% down, loans up to $5 million, typically up to four units. The DSCR page itself mentions only individuals and U.S. LLCs. [src][src] |
| Dominion Financial | Every state except Nevada, plus Washington, DC. [src][src][src][src] | The DSCR page lists LLCs and individuals as eligible borrowers. The rate and program disclosures page says loans are made only to business entities. [src][src] | Not addressed on the DSCR product page. The broker-program page says the DSCR loans it arranges suit foreign nationals. [src] |
For reference: our programs next to both
Doors Funded programs are arranged by Janover Capital LLC, which is paid when they close. They are shown separately so the comparison above stays between the two lenders.
| Lender | Loan amount | Max LTV (purchase) | Min FICO | Min DSCR | Experience | Source |
|---|---|---|---|---|---|---|
| Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close | $75,000 to $2,000,000 | Up to 80% LTV (75% cash-out) | 660 | 1.05x | Not required | terms |
| Griffin Funding | $100,000 to $4,500,000 (larger loans by exception) | Up to 80% LTV standard (20% down). Up to 85% (15% down) with a 740+ FICO on loans up to $1,000,000. Cash-out up to 80% LTV | 620 | No minimum (no-ratio program available) | Not published | [1][2] |
| Dominion Financial | Not published ($100,000 minimum property value) | Up to 80% LTV on purchases and rate-and-term refinances. Up to 75% on cash-out | 680 (exceptions down to 660) | 1.00x | Not published | [1][2] |
If neither fits
Sources
- Griffin Funding: DSCR loans. Read October 29, 2026.
- Griffin Funding: DSCR loan requirements. Read October 29, 2026.
- Griffin Funding: Foreign national lending. Read October 29, 2026.
- Griffin Funding: State licensing. Read October 29, 2026.
- Dominion Financial: DSCR rental loans. Read October 29, 2026.
- Dominion Financial: Fix & flip loans. Read October 29, 2026.
- Dominion Financial: Ground-up construction loans. Read October 29, 2026.
- Dominion Financial: About. Read October 29, 2026.
- Dominion Financial: Licensing. Read October 29, 2026.
- Dominion Financial: Rate & program disclosures. Read October 29, 2026.
- Dominion Financial: Broker program. Read October 29, 2026.
- Dominion Financial: DSCR loan requirements. Read October 29, 2026.
- Dominion Financial: Ground-up construction loan requirements. Read October 29, 2026.
Have a deal in hand?
Send the numbers. We check them against our programs and tell you plainly whether the deal fits.